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Denver Criminal Lawyer Explains SR-22 Requirements


March 22, 2017

Many people are aware of the potential jail time and fines associated with DUI charges, but there are other consequences to this crime. For example, if you are convicted of a DUI, your license will be suspended and you will be required to get a SR-22 document prior to reinstatement. What’s a SR-22? Denver criminal lawyer John Buckley explains what you need to know:

The Basics

Colorado drivers are required to have a minimum of $25,000 in bodily injury insurance and $15,000 in property damage insurance. However, some drivers that have been convicted of driving under the influence or reckless driving have additional insurance requirements. The SR-22 document, which is sometimes referred to as SR-22 insurance, acts as proof that someone has car insurance. People often confuse the SR-22 document as an actual insurance policy, but that is not the case. This is simply a document that provides evidence that you are covered by a policy. Learn more about SR-22 and other insurance requirements in Colorado.

When Do You Need It?

If you have lost your license because of a DUI, you are required to get a SR-22 before you are allowed to drive again. The insurance company that you work with will prepare the documentation you need and then submit it to the DMV on your behalf. There are a few insurance companies that will not provide you with a SR-22, so you may have to switch your policy to a different company if yours is unable to provide it to you. You will be required to have this SR-22 document for a certain period of time, usually up to five years after you have been convicted of DUI.

The Downsides of the SR-22

SR-22s can be expensive, so if you have been charged with a DUI, this is yet another expense you may need to pay. Once you request a SR-22, your monthly insurance rates will go up substantially. This is because you will now be grouped together with other high-risk drivers. It’s estimated that adding the SR-22 to your insurance coverage could raise your rates by around $1,000-$1,500 per year. The exact cost will vary depending on your driving record and insurance company, but it’s incredibly important that you continue to pay until you are no longer required to, regardless of the cost. Why? If your coverage lapses at any time during the period where you are required to have the SR-22 document, the insurance company will immediately notify the DMV and you will be penalized.

If you or someone you love is facing DUI charges, you will need legal assistance as soon as possible to fight the charges. The Law Office of John Buckley can assist you with every aspect of your legal case beginning immediately after your arrest. We work tirelessly to defend your rights and ensure our clients receive the best representation possible. Our team is standing by to begin working on your case, but first you have to make the call. Contact John L. Buckley today to schedule a legal consultation.